For Educators: Middle & High School Back »

Written by Carrie Johnson (former SDSU Extension Family Resource Management Specialist).

The need to educate youth about money is greater than ever. Studies conducted by the Jump$tart Coalition for Personal Financial Literacy and the National Longitudinal Survey of Youth have shown that many young people have little understanding of finance and economic. They are spending and borrowing withouth knowing the basics of interest and fees.

Young people have more debt in general than ever before. By the time young adults graduate from college they have an average of $3,000 in credit card debt and over $25,000 in student loan debt. People are going bankrupt younger. According to USA Today, one in five Americans from the age of 18 to 24 declared bankruptcy in 2001.

Workshops Offered by SDSU Extension

Financial Foundations – Jump$tart Teacher Training Program

Financial Foundations focuses on a learner-centric approach to build teachers’ confidence. This course emphasizes the instruction of personal finance concepts, information, and behavior so that teachers have the tools and confidence to implement positive financial management in their own lives – and then to transfer that knowledge to their students in the classroom.

SDSU Extension has adapted the J$TTA Model to be used in an online learning environment. Using technology, educators can complete activities and interact with other educators from across the state and country without having to leave the classroom for a three day training.

The course is designed to encourage interaction between participants as well applying what was learned to their own personal finances. The following activities are part of the program:

  • Class Discussion Board
  • Small Group Discussions
  • Short Video Lecture
  • Worksheets
  • Online Learning Activities (some can even be used in a high school personal finance class)

NEW DATES TO BE ANNOUNCED THIS SPRING: This course is offered in the summer. One Graduate Credit is available for a small fee of $40.00.


Money As you Grow

  • Money as You Grow, developed by the President's Advisory Council on Financial Capability, provides 20 essential, age-appropriate financial lessons—with corresponding activities—that kids need to know as they grow. Use the button below to download milestones created by the council.

Charles Schwab Teens & Money Factsheet


  • My Financial Future: From organizing finances to learning about savings, risk management, and consumer breadcrumbs, the My Financial Future curriculum helps middle and high school youth develop critical skills and knowledge in money management.
  • Financial Champions is a 4-H experiential learning curriculum with youth and helper’s guides.
  • Financial Fitness for Life (FFFL) is a comprehensive personal finance curriculum for K-12 students that teaches students how to make well-informed decisions about important personal finance issues. Created by the Council for Economic Education.
  • Learning, Earning and Investing for a New Generation introduces students to the world of personal finance throughout 21 lessons that provide active learning experiences to help students master the basics of investments. Created by the Council for Economic Education.
  • NEFE’s High School Financial Planning Program® (HSFPP) is a turnkey financial literacy program specifically focused on basic personal finance skills that are relevant to the lives of pre-teens, teens, and young adults. It is organized into six module topics: planning; borrowing; earning capability, investing, financial services, insurance.
  • Family Economics & Financial Education’s (FEFE) mission is to provide educators with ready-to-teach lesson plans and materials free of charge, and the skills and confidence to effectively teach personal finance.
  • Future 4-H Millionaires Club: Educate middle and high school youth on the basics of investing education. No previous knowledge about teaching investments, no problem! The 4-H Millionaire’s Club is designed to teach any level of
  • financial literacy.
  • Visa’s Practical Money Skills for Educators has a wide range of resources; including free lesson plans, educational games for classroom use and profiles of inspiring educators. Current curriculum include: Pre-K – Grade 2; Grades 3 – 6; Grades 7 – 8; Grades 9 – 12; College Students; and Special Needs.
  • The South Dakota Stock Market Game Program is sponsored by the South Dakota Council on Economic Education housed at The University of South Dakota School of Business and Black Hills State University's Center for Business and Entrepreneurial Studies. The Stock Market Game is a competition is which teams of students from 4th grade through college invest $100,000 in "play" money in stocks and mutual funds. Cash prizes are awarded at the end of the session.
  • Money Smart for Young Adults Created by FDIC, this curriculum helps youth ages 12-20 learn the basics of handling their money and finances, including how to create positive relationships with financial institutions. The curriculum consist of eight modules.

Education Standards

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